Head of Credit

We have a fantastic opportunity for a Head of Credit to join the company to join our team. Based in our Belfast office, you will report to the Chief Financial Officer to lead and manage all credit risk initiatives.

**What you’ll be doing**:

- Strategic Credit Management: Develop and implement a proactive credit strategy that aligns with the company’s commercial goals while managing risk exposure across all markets (including export/international markets)
- Team management and leadership: Lead and mentor the credit control team
- Credit Risk Assessment: Conduct thorough credit evaluations of new and existing customers using internal criteria, external ratings, trade references, and market intelligence.
- Credit Insurance Management: Liaise with insurers, overseeing policy limits, claims, declarations, and compliance.
- Cross-Border Customer Relationships: Manage relationships with international customers, understanding regional business norms, payment behaviours, and cultural dynamics.
- Policy Development & Compliance: Develop and maintain credit policies, ensuring regulatory compliance.
- Reporting & Analytics: Provide regular reporting on aged debt, credit exposures, and bad debt provision. Deliver insight-led recommendations to the CFO and commercial teams.
- Cross-Functional Collaboration: Work closely with Sales, Customer Service, and Legal to ensure customer onboarding, terms negotiations, and contract enforcement align with risk appetite.

**What we are looking for**:

- Degree in Finance, Business, or related field
- CICM qualification (desirable)
- Experience in developing and implementing campaigns and monitoring ROI
- Experience in marketing in local and international markets desirable
- Proven experience in a senior credit management role within a manufacturing or export-led business
- Strong understanding of credit insurance products, processes, and insurer engagement
- Managing international customers and dealing with diverse cultural practices
- People management experience
- Excellent negotiation, communication, and relationship management skills
- Analytical mindset with the ability to interpret data and deliver actionable insights
- Familiarity with ERP systems and credit management software
- Knowledge of relevant legal, compliance, and trade regulations in key export markets
- Ability to communicate effectively across all levels
- Excellent organisational and time management skills, with the ability to prioritise effectively and work under pressure
- Right to work in the UK

**What we offer**:

- Based in Belfast
- Hybrid working based on an 80% onsite attendance model, offered in line with training and performance.
- 37.5 hour week
- Salary based on experience
- Company matched pension scheme
- Life Assurance
- Training and development opportunities
- Medicash Health Cash Plan and Employee Assistant Programme
- Medicash Rewards
- Refer a friend scheme

**Applications not within commuting distance to Belfast will not be processed.**

**Job Types**: Full-time, Permanent

Pay: Up to £65,000.00 per year

**Benefits**:

- Bereavement leave
- Canteen
- Company pension
- Employee mentoring programme
- Enhanced maternity leave
- Free flu jabs
- Free parking
- Health & wellbeing programme
- Life insurance
- On-site parking
- Referral programme
- Sick pay
- Work from home

Schedule:

- Day shift
- Flexitime
- Monday to Friday

**Education**:

- Bachelor's (required)

**Experience**:

- management credit risk: 3 years (required)

Licence/Certification:

- Chartered Institute of Credit Management (preferred)

Work authorisation:

- United Kingdom (required)

**Location**:

- Belfast (required)

Work Location: In person

Application deadline: 09/06/2025